Burial Insurance Quotes
Jason Stolz CLTC, CRPC
Burial Insurance Quotes: Compare Rates in Minutes
Get fast burial insurance quotes (final expense whole life) with a simple application and no medical exam for many plans.
We compare multiple senior-friendly carriers to help you find the best price for your health profile and budget.
Burial insurance quotes are meant to answer one question quickly: “What will it cost to put a permanent final expense policy in place?” Burial insurance (also called final expense life insurance) is typically a small whole life policy designed to help cover funeral costs, cremation or burial costs, final medical bills, and other end-of-life expenses. These plans are popular because they are predictable—coverage is intended to last for life, premiums are typically level, and beneficiaries receive cash they can use immediately for final arrangements.
At Diversified Insurance Brokers, our goal is accurate quoting and clean carrier matching. The lowest price on paper is not always the best option for your situation. Underwriting rules vary by company, and the “best” burial insurance quote depends on whether you can qualify for day-one level benefits, whether a graded plan is more realistic, and how your health history aligns with each carrier’s guidelines.
Burial Insurance Quote Calculator
Run quick quotes from multiple companies and compare level premiums for common coverage amounts (often $5,000–$30,000). If you’re not sure what face amount to choose, start with $10,000 and compare $15,000 and $20,000 side by side.
Quotes are estimates and subject to underwriting. Final pricing depends on age, state, tobacco status, and health history.
What Burial Insurance Covers and How It Works
Burial insurance is a small whole life policy built for final expenses. Most families use the benefit to pay funeral home services, cremation or burial costs, cemetery charges, headstones, and final medical bills. If there is money left over, beneficiaries can use it for any purpose—travel, household bills, or closing out small debts.
Most burial policies are structured with level premiums and permanent coverage. That means you typically pay the same amount each month for as long as the policy stays active, and coverage does not expire at a set term. This is why burial insurance is often used as a dedicated “final expense layer,” even when a family already has other retirement assets or older life insurance in place.
Burial insurance is also designed to be simpler than traditional medically underwritten coverage. Many plans require no medical exam—just basic health questions. Decisions are commonly fast, and for many applicants the process is completed with electronic signatures and short verification steps.
How to Compare Burial Insurance Quotes Effectively
Burial insurance quoting is not just about finding the lowest number. The best quote is the one that gives you the right mix of price, benefit structure, and approval odds based on your health history. Comparing across multiple carriers matters because each company defines risk differently—especially for seniors and applicants with common chronic conditions.
Benefit structure matters first: level benefit is usually best if you qualify, graded is often the middle option, and guaranteed issue is typically the last resort when health questions become a barrier.
Underwriting match matters second: one carrier may be strict on a recent hospitalization while another can be flexible if you are stable on medication. Matching underwriting to your profile is often where the best savings come from.
Clean policy design matters third: add riders only when they solve a real need. For many families, the simplest plan is also the most affordable long-term.
Burial Insurance Costs and Ways to Save
Premiums are driven primarily by age, state, health history, tobacco status, and the face amount. Two people buying the same $10,000 policy can see very different prices based on stability and medications.
Right-size the benefit. Many families target $10,000–$15,000. If you want extra cushion for medical balances or travel, increase the face amount until the premium feels comfortable.
Apply sooner. Burial insurance is age-priced. Waiting typically increases cost, and new diagnoses can reduce eligibility for level benefit options.
Choose the strongest tier you qualify for. If you qualify for level benefit, it is often the best long-term value compared to graded or guaranteed issue.
Getting Burial Insurance Quotes with Health Conditions
Many people think a diagnosis automatically means “no.” In reality, final expense underwriting often comes down to stability—time since complications, medication consistency, and recent hospitalizations. Comparing carriers is often the difference between a level benefit plan and a more expensive graded option.
If you want to see how carriers typically approach common conditions, start with these focused guides:
How to Apply for Burial Insurance and Get Approved
Most burial insurance applications are designed to be quick. If you have already run quotes using the calculator above, the next step is confirming eligibility and selecting the best-fit option.
- Estimate the coverage amount you want and confirm the price using the quote tool or our burial insurance calculator.
- Compare carriers to see where you qualify for level benefits versus graded or guaranteed issue.
- Pre-screen health details (medications, recent hospital visits, major diagnoses) to reduce surprises.
- Submit the application with e-signature for a fast, paperless process.
- Receive your decision—many approvals come back quickly depending on plan and verification.
If you want a guided overview first, start here: burial insurance services.
Common Burial Insurance Quote Mistakes to Avoid
Waiting too long to apply. Age increases premiums and new diagnoses can shift you into a more expensive benefit tier.
Choosing guaranteed issue too early. If you qualify for level benefit coverage, it is often the best long-term value.
Underinsuring final expenses. Price $10,000, $15,000, and $20,000 side by side so your family is not forced to cover a shortfall later.
Related Burial Insurance Guides and Tools
Want help comparing quotes based on your health profile?
Submit a quick request and we’ll help match you to the best-fit carrier and benefit type (level vs graded vs guaranteed issue).
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FAQs: Burial Insurance Quotes
What is burial insurance and what does it cover?
Burial insurance (final expense whole life) is a small life policy that pays a tax-free cash benefit to cover funeral costs, medical bills, and other last expenses. Beneficiaries can use the funds for any need.
How are burial insurance quotes calculated?
Quotes are based on age, state, coverage amount, tobacco status, and basic health questions. We compare multiple carriers to find level-premium options that fit your budget.
Do I need a medical exam to get a quote or apply?
No exam is typically required. Most plans are simplified issue (health questions only) or guaranteed issue (no health questions). Your quote reflects the plan type you qualify for.
Is there a waiting period before the full benefit is payable?
Level benefit plans often provide day-one coverage. Guaranteed-issue plans usually include a two-year graded period for natural causes; accidental death is generally covered immediately.
How much burial insurance coverage do most people buy?
Common face amounts range from $8,000 to $20,000, sized to local funeral costs and personal preferences. We’ll help you right-size coverage so you don’t overpay.
Will my premiums ever increase or can my policy expire?
Final expense whole life typically has lifetime coverage and level premiums that never increase, as long as payments are made on time.
Can I qualify if I have health conditions like diabetes or heart issues?
Yes—many carriers are condition-friendly. If simplified issue isn’t available, guaranteed-issue plans can still provide coverage. We’ll match you to the best fit for your health profile.
How fast can I get covered after I accept a quote?
Many simplified-issue applications are approved the same day or within a few days. Guaranteed-issue policies can be issued quickly after basic eligibility checks.
Can I buy burial insurance for a parent or loved one?
Yes. With the insured’s knowledge and consent, you can be the owner and payer of the policy and designate yourself (or another person) as beneficiary.
What’s the best way to get accurate quotes?
Compare multiple carriers and plan types side by side. You can start with our
burial insurance calculator tool
and then finalize pricing with an advisor to confirm eligibility and lock in level premiums.
About the Author:
Jason Stolz, CLTC, CRPC and Chief Underwriter at Diversified Insurance Brokers, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
